Credit Management Kit For Dummies

Stephen R. Bucci (Autor)

Media-Kombination

408 Seiten

2011
John Wiley & Sons Inc
978-1-118-01385-4 (ISBN)

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The painless way to manage credit in today's financial landscape People with great credit scores are getting turned down for credit cards and loans for homes and cars. What do they need besides a good score? What are lenders looking for now that they are extremely risk-averse? Repairing broken or damaged credit is one thing, but having to meet today's much stiffer credit standards requiring that consumers consistently manage their credit is another thing all together. Credit Management Kit For Dummies gives you answers to these questions and insight into these concerns, and also walks you down the correct path to credit application approval. You'll discover major changes with the Credit CARD (Credit Accountability, Responsibility, and Disclosure) Act provisions and the new Consumer Financial Protection Legislation Agency; the effect of tightened credit markets on those with good, marginal, or bad credit; new rules and programs including Hope and Government options via the Obama Administration; the best ways to recover from mortgage related credit score hits; tips for minimizing damage after walking away from a home; credit score examples with new ranges; and much more.*
The pros and cons of credit counselors* The quickest and most effective way to undo damage from identity theft* Advice and tips about adding information to a credit report, and beefing-up thin credit* Guidance for evaluating your Credit Score in today's economy* Fannie Mae's revised guidelines for purchasing mortgages* Information on significant others (boyfriend/girlfriend/spouse) and credit and debt sharing* IRS exceptions to the Mortgage Forgiveness Debt Relief Act in a mortgage meltdown situation Not just for those who have bad credit and need to repair it, Credit Management Kit For Dummies also serves as an invaluable resource for those with average credit who want, or need, to manage it to get a job, reduce insurance costs, qualify for banking products, and more.

Steve Bucci is a nationally syndicated columnist for the financial mega-site Bankrate.com and a contributing columnist for the Providence Journal. Bucci is also the former president of the Consumer Credit Counseling Service of Southern New England, former managing director of the Center for Personal Financial Education at the University of Rhode Island, and a personal finance coach.

Foreword xix Introduction 1 Part I: Credit Management: An Essential 21st-Century Skill for Financial Success 7 Chapter 1: Introducing Credit Management Essentials in a Tightened Credit Market 9 Chapter 2: Gaining Control of Your Credit 25 Chapter 3: Taking a Sustainable Approach to Your Financial Environment 33 Chapter 4: Creating a Spending (And Savings) Plan for Your Future 45 Chapter 5: Protecting Your Credit in the Post-Financial Meltdown World 69 Part II: Writing on Your Personal Credit Wall: Credit Reporting and Scoring in the Facebook Age 85 Chapter 6: Discovering How Credit Reporting Works 87 Chapter 7: Understanding Credit Reports and Scores 99 Chapter 8: Monitoring Your Credit Reports and Scores 123 Part III: Creating Solid Credit Strategies for Every Stage in Life 135 Chapter 9: Building Credit: Getting Started (or Restarted) in Life 137 Chapter 10: Accounting for the Effect of Life's Necessities 161 Chapter 11: Keeping Your Credit Great When Faced with Major Life Events 173 Chapter 12: Controlling Access to Your Identity 203 Part IV: Navigating Negative Credit 215 Chapter 13: Turning Your Credit Around 217 Chapter 14: Polishing Your Credit Reports 233 Chapter 15: Getting the Best Help for Bad Credit for Free 247 Chapter 16: Coping with Bad Credit and Debts 259 Chapter 17: Managing Credit in a Mortgage Crisis 281 Chapter 18: Working with Collectors, Lawyers, and the Courts to Manage Debt Obligations 293 Chapter 19: Minimizing Credit Damage in a Bankruptcy 309 Chapter 20: Repairing Identity Theft Credit Damage 329 Part V: The Part of Tens 337 Chapter 21: Ten Consumer Protections Everyone Needs to Know 339 Chapter 22: Ten Tips to Achieving Stellar Credit 347 Chapter 23: Ten Ways to Successfully Manage Financial Emergencies 353 Appendix: About the CD 359 Index 369

Vorwort	Durant S. Abernethy
Zusatzinfo	Illustrations
Verlagsort	New York
Sprache	englisch
Maße	189 x 233 mm
Gewicht	648 g
Themenwelt	Sachbuch/Ratgeber ► Beruf / Finanzen / Recht / Wirtschaft ► Geld / Bank / Börse
Themenwelt	Wirtschaft ► Betriebswirtschaft / Management
ISBN-10	1-118-01385-9 / 1118013859
ISBN-13	978-1-118-01385-4 / 9781118013854
Zustand	Neuware